The Carabao Fund

Ga (Jumarlyn Cadano) is a very sweet and gentle young lady who came from Dumaguete, “The City of Gentle People.” I remember when we were walking back home from a nearby mall, I was telling her about how I’d rather walk than ride in a car. She told me she felt the same way. She always has car sickness. Then, she told me about her bus ride from Bayawan (Negros Oriental) to Bacolod. She was with her sister and another companion in the bus. Her sister was seated a few rows behind Ga and her friend from the province. 

Ga and her friend decided to make a quick run to the nearest drug store and buy some biyahilo medicine. When they got back, the bus had already left them towing with it their money and luggage. 

With only loose change in their pockets, they decided to wait for the next bus to Bacolod. They did not eat nor drink the rest of the day. They entered the next bus without any money to pay the conductor, but they decided to still enter. They had nothing to risk anyway. When they reached the destination, the conductor asked for their money. And they told him the story. The conductor allowed them to leave and even gave them Php 20 for some food. They decided to buy water with the Php 10 pesos and a scrambled egg with the other Php 10. 

As Ga divided the egg between her and her companion, a couple of street children came near them and asked for some alms. Ga decided to share a portion of the egg with the little children before she had taken a bite of it. 

Two days ago, Ga received a call from her parents in Dumaguete that her older sister had a strange fever and couldn’t sleep all night. She was cold and coughing and her skin were sore. The parents brought her Ate to a public hospital, yet they said they didn’t have the facilities to treat her. They had no choice but to admit her in a private hospital. 

The Ate stayed there for two days. The dad had to sell their one and only carabao for Php 20,000. Their carabao was a very big help to his dad, whose sole occupation is farming. 

Her sister passed away just this morning. According to Ga, it was kidney failure. I hope that we can raise funds for their family. We cannot bring her sister back, but perhaps, we can help their family in the long-term. We can help them buy another carabao, a younger and healthier carabao, to help them plow the fields. 

If only a number of us is willing, we can offer a few hundreds, or a thousand peso to help their family. 

Please pray about it. If God has given you the burden to help the Cadano family financially, please go to any LBC branch and send your money to Ga’s father:


You may also hand it to me if we see each other, and I’ll pass it to Ga.  Let's help them because (1) we can, (2) it's God-glorifying.  Thanks and God Bless!

Christmas Eve Worship Celebration 2012: Come, Thou Long-Expected Jesus ~ A Promise Kept

Jubilee Evangelical Church’s Christmas Eve Worship Celebration has always been a big—well-planned, and beautifully, yet tediously, executed—production.  Last year, we had production sets bringing us back to an old castle of long ago.  We featured the Christmas story through the life of John the Baptist. 

This year, it’s going to be different.  This year we’re going to make it simple.  We are going to show the Christmas story as blunt as it can get.  And this year, we won’t be focusing on the New Testament, the time when Jesus was born on earth.

This Christmas Eve, allow us to bring you to the past -- to the moment of creation, and show you glimpses of Christmas truth from there.  We will be sharing with you series of (surprising & intriguing) stories through the eyes of known, and not so well-known, characters in world history.  

Hear the voices of Eve echoing her pain of the great fall, and of Abraham & Sara sharing their laughter with us.  Hear from Leah, King David, and many other characters from the Old Testament. Each of them has a deep longing, just as you and I may possibly have.  Each of them longs for a promise to be fulfilled.  Each of them has a Christmas Story to tell.

Come join us as we celebrate Christmas in Come, Thou Long-Expected Jesus: A Promise Kept!

See you on December 24, 2012, 5:00PM.  Invite your family and friends.

Not-So-Secret Restaurant 1: Jjang Kkae Restaurant

I’m quite a fortunate girl.   You see, David enjoys going for an adventure too, and he likes taking me to these “not-so-secret” restaurants.  These are food places that are quite hidden, yet still popular enough to have frequent loyal clients. 

I love love love Korean food.  The mix of sweet and spicy dishes, crunchy and chewy textures, cold and warm appetizers, play in my mouth like fireworks.  So for our first not-so-secret restaurant, David asked the recommendation by no other than his Korean officemate.  Of course, we should eat where the real Koreans eat right?  His officemate told him about a hidden restaurant in Kalayaan Avenue.  This restaurant is popular for their black noodles.

It was one Sunday noon time, we were driving along Kalayaan ave. and we were looking at all the Korean restaurants nestled beside each other.  We drove back and forth.  He told me the name sounded like “Chang..” something. 

We drove to the other Korean restaurants and asked if they offer black noodles.  Fortunately, there was one restaurant that pointed us to Jjang Kae, one block away.  It's the one with yellow background.

To enter the restaurant, you have to walk through a hallway to the far end of the building. 

Jjang Kae is a casual food place, with wooden tables and chairs. On the tables are white ceramic plates with aluminum tea cup, silver spoon and black plastic chopsticks.  Cold water in plastic bottles are also placed conveniently on each table.

Like in any Korean restaurant, Jjang Kae serves appetizers for free before the orders are delivered.  We had slices of pickled yellow radish and raw onions.  This is the same radish that the Japanese place in their sushi.  When dipped in the black bean paste sauce, the radish tastes slightly salty, savory and refreshing at the same time. 

For our main meal, we ordered what David’s Korean officemate had suggested: Jjajang-Myeon.  Jjajang-Myeon is noodles topped with stir-fried black bean paste and vegetables.  They have other variations; Ganjjajang if you’d like to add some pork meat and Samsun-Jjajang for seafood.  

Upon serving our Jjajang-Myeon (Php 220) and Samsun-Jjajang (Php 250), the server cut the noodle strands using a pair of scissors.  She then mixed the black sauce with the noodles using chopsticks.

The noodles were oh so chewy!  I can still remember how soft, yet firm, each noodle strand was in my mouth.  The texture reminds me of Japanese noodles.   The taste is a bit sweeter than the bean paste used in the appetizer.  It has a sweet fragrant of garlic, onion and vegetables too.

David thought it somehow resembles the Chinese Ho-Fan (flat noodles), but a lot less salty and a whole lot less oily.  Yep, definitely better than Ho-Fan.  I get easily satiated with Ho-fan, perhaps because of the oil.  But for the Jjaujang-Myeon, I ate to my heart's desires..  or until my stomach was filled to the brim. 

The serving size for Php 220-250 worth of noodles was really big!  According to the server, usually each customer orders one bowl of noodles.  But we realized, it can be big enough for sharing too.  We also tried their gyoza (Php 200 for 8 pieces).  I found it very dry and flaky.

I will definitely come back to Jjang Kkae Restaurant if and when I have a sudden craving for Korean noodles, or noodles in general.  Gun Bae! :)

Jjang Kkae Restaurant
Kalayaan Avenue QC. (after City Hall)

10 Things I Learned from Chinkee Tan in Developing the Millionaire's Mindset

It was an ordinary Friday morning.  The streets were packed with honking cars and people in business suits walked hurriedly to their offices.  I went my way to Greenhills Shopping Center.   (Not that I had planned to go shopping.) 

Developing the Millionaire’s Mindset seminar by Chinkee Tan was held at Victory Christian Fellowship, 4F Virra Mall, Greenhills.  I thought it was going to be another motivational talk, full of flowery quotes yet lacking in substance.   But what got me joining was my curiosity as to how a brother in Christ views money.  And, what mindset he is trying to teach anyway.   Is there such a thing as a millionaire’s mindset?  Is it healthy?  What mindset do I have?

So there I was, seated with about 70 other hopeful, curious souls, listening to this petite Chinese guy in glasses opening the seminar.  Chinkee Tan seemed to be a very big guy trapped in a smaller body.  Strings of words came out strong and powerful.  He got my full attention from 10 to 6pm.

Let me share with you the 10 things I learned from Chinkee Tan in Developing the Millionaire’s Mindset seminar.

     1.     You won’t be able to shoot if you have no goal.

Logical, isn’t it?  We can measure our productivity more effectively if we have a goal in mind.  

He asked one interesting question that I would like to ask you too.  “What do you want to do when you already have millions?”  What would you do if you were already earning a passive income of one million pesos per month.?

Your answer may be your vision or goal in life.

     2.     All of us have a potential to be a millionaire.

..Even if you’re faced with debts.  ..Even if you’re still sulking in poverty.   According to a study, Chinkee says, 90% of millionaires are first generation millionaires.  This means that most people who made it came from a very humbling background.

I like how he describes challenges, as “vitamins in life."   This echoes what James says (1:3), “testing of your faith produces perseverance.”

     3.     If you really want to learn, learn from the experts.

Many of us ask our family members or friends with new ideas and opportunity, but Chinkee suggests that we should ask the experts.  If you are into business, ask a business person.  If you’re into art, ask an artist. 

     4.      Money is only the result of a job well done.  The process is what you've got to learn.

“If your only goal is to make money, you won’t ever make money (unless your goal is to make counterfeit -ed).  You should focus on the process, the formula.”  -Chinkee Tan

     5.     You gotta dream.
You gotta dream big.  I call it the “God-sized” dream.   We are the ones stopping ourselves from dreaming.  One reason why we don’t dream is because we don’t like to take responsibility.  We allow other people to dictate what we should do.  Let’s start dreaming again, with a childlike faith.

     6.     You gotta protect your dream.

Protect your dream from people who tell you, you can’t do it.   Oftentimes, it comes from people who are quite down.  Misery loves company.  Don’t listen to people who haven’t succeeded.

     7.     Your mindset is your thought life.   Mindset is developed by what you see, hear or experienced.

The actions we see from our parents, the statements we hear from them, and our experiences, may get planted into our subconscious mind making it our money mindset.   Ask yourself, how do you feel about money, and when you talk about money?  Do you think it’s easy to earn money?  What happened in the past that brought you to view money in this  way?  Our money mindset determines our financial life.


     8.     It’s possible to change your mindset.  Deal it from the roots.

This is possibly the most helpful point in the whole session.  Chinkee shared that he had felt stressed talking about money.  It was only until years later, that he was able to uncover the reason behind it.  His parents had always fought when money was involved.

He had to deal it from the roots.

Chinkee's way of developing a millionaire's mindset with his family is that they do not use the terms, “expensive” or “mahal” in the house.  Chinkee Tan says if there’s such a thing as expensive, it shouldn’t be in the market.  These products are available because someone is willing to pay the price.  Chinkee taught his family that if they want something to be added in the family budget, they pray to God about it, and God who is rich will be the one providing, if it’s in His will.

Detach yourself from the past because you cannot change the past.  “Your past did not create who you are, your past made you believe that you’re like that today,” said Chinkee.    If there are some people who’ve stained your money mindset, confess it to God and forgive them.  Know that in Jesus, we are a new creation.  The old has gone, the new has come!

Do you know why Michael Jackson had to change his nose through multiple surgeries?  His dad had told him before that his nose was as big as a telephone.

9.     Develop the 7-minute reading habit.

Chinkee sited an example of the differences in classes, “If the poor read tabloids and the middle class read newspapers, the rich reads books.”  But of course, not all books can be beneficial.   One book that can surely bring success is breathed by God Himself.  “Do not let this Book of the Law depart from your mouth; meditate on it day and night, so that you may be careful to do everything written in it. Then you will be prosperous and successful.” –James 1:8

     10. Discover the lid that traps you.

How much do you think you should earn each month?   Is it Php 10,000? Php 50,000? Php 100,000?  You may have a lid that limits you.  Chinkee told a story about an eagle that is adopted by a family of chicken.  The eagle talks like a chicken, walks like a chicken.  Are you an eagle living in a chicken community that’s keeping you from soaring?

Also, you may catch Chinkee Tan soon. Chinkee Tan will have a seminar titled The Power of Mindset on November 14, 2012, this time with the best-selling author Francis Kong.  I think the rate is Php 2,800.  But for early birds, it's going to be just Php 1,400.

But wait, there's more!  Avail now at any Cotton Depot branch and you can still slash it off by 10%!  


 When: November 14, 2012 (Wednesday) from 10am to 5pm

Where: Victory Christian Fellowship 
4th Level V-Mall Greenhills, San Juan
Speakers: Chinkee Tan and Francis Kong
Learning Investment:
               Gold 2800PhP
               Silver 2100PhP
               Bronze 1400PhP
For reservations:
Call Ivan 0917-3141231